Stamp Duty Calculator 2025 | KMD Financial Planning

KMD Financial Planning LLP · Tools Speak to an adviser

Property purchase calculator

Stamp Duty Land Tax Calculator

Calculate how much Stamp Duty Land Tax (SDLT) you'll pay when buying a property in England or Northern Ireland. Rates current from 1 April 2025.

What type of buyer are you?

Who qualifies as a first-time buyer? You must never have owned a freehold or leasehold interest in a residential property in the UK or abroad. This applies to everyone purchasing together — if one buyer has previously owned a property, neither of you can claim first-time buyer relief. The property must also cost £500,000 or less. Check the GOV.UK guidance on first-time buyer relief →

Home mover rates apply if this property will be your only home. You will not pay the additional 5% surcharge if you are selling your current main residence and it completes within 36 months of your new purchase. If you have not yet sold on completion day you will need to pay the higher rate and can apply for a refund once your sale completes. Check the GOV.UK guidance on residential property rates →

Who pays the additional rate? You'll usually pay an extra 5% on top of standard SDLT rates if you'll own more than one residential property after completion. This includes buy-to-let properties, holiday homes and second homes. Companies buying residential property always pay the higher rate. Check the GOV.UK guidance on higher rates for additional properties →

Property purchase price

£0 £500k £1m £1.5m £2m

Rates applied

Band	Rate	Tax on band
Enter a purchase price to see rates

Stamp Duty Land Tax due

—

Purchase price —

Effective tax rate —

Buyer type First-time buyer

Get mortgage advice →

📧 Email a copy of this summary

Enter your email address to receive a copy of your stamp duty calculation. Please note that email is not a fully secure method of transmission.

Important information

This calculator provides an estimate of Stamp Duty Land Tax (SDLT) for residential property purchases in England and Northern Ireland only. Different taxes apply in Scotland (Land and Buildings Transaction Tax) and Wales (Land Transaction Tax).

This calculator does not account for all situations including: shared ownership, leasehold purchases with high annual rents, non-UK residents (2% surcharge), corporate buyers, or multiple dwelling relief. Always confirm your SDLT liability with your solicitor or conveyancer before exchange of contracts. SDLT must be paid within 14 days of completion.

Rates shown are correct as at 1 April 2025. KMD Financial Planning LLP accepts no liability for errors or omissions. View the official GOV.UK SDLT guidance →